I'd rather not switch insurance providers unless I begin working that offers insurance. Prefer to stay away from national healthcare if possible.
COBRA is a continuation of your same current insurance for three years. After that you can choose the same insurance if you desire, on an individual plan. Obamacare provisions ensure that you can still enroll in insurance despite your pre-existing condition. If you live in a state that has an exchange, you will also likely qualify for some kind of subsidy for your insurance (my widowed musician friend, who was going broke paying a third of her income for her health insurance for her and her young son, now gets a subsidy that reduces her cost by over half - and was able to keep her same plan and doctors.)
If he will pay for the COBRA costs, the insurance is not really a reason to delay the divorce. and like I said, it may benefit you and your children financially to go through with the divorce now - while you are unemployed and going through chemo, a judge will definitely favor you.
Dragging your feet on the divorce will not help you. It won't make your H any more likely to return. It won't save your children. It won't get you a better settlement. And it won't stop him from returning to you if he comes to his senses. Financially, every time I have seen a woman here drag the divorce out deliberately, it has ended up hurting the woman financially in a big way (and judges don't like it either).
Also, staying stuck in this emotion and hurt is very bad for your health. Getting it settled and moving forward, focusing on YOU, is healthy.
If your MLCer is going to come back, he's MORE likely to come back once you stop holding on. Let go of the rope.
Talk to your lawyer and ask their opinion about the best way to proceed to get you the best settlement possible. This part is all about business, has nothing really to do with the emotional parts of the divorce or with justice or retribution. Just follow your attorney's advice on how to get the best settlement. And no, the insurance is not a reason to stall (thank god!!! A few years ago, before Obamacare, you would have been in enormous trouble).
